RESOURCES
Financing guidance without the guesswork.
Use these checklists and answers to prepare a clearer request, compare financing more thoughtfully, and understand what may happen next.
A stronger request starts with the right context
01 · DEFINE
Clarify the need
Be ready to explain the purpose, approximate amount, desired timing, and what a successful outcome looks like.
02 · COMPARE
Look beyond the rate
Consider proceeds, total cost, payment, term, amortization, collateral, guarantees, prepayment terms, and execution risk.
03 · PROTECT
Share information safely
Do not send Social Security numbers, bank credentials, or other highly sensitive information through a general website inquiry.
REAL ESTATE REQUESTS
Helpful starting details
- Property address, type, and current use
- Purchase, refinance, cash-out, or project purpose
- Purchase price, estimated value, and existing debt
- Occupancy, leases, rent roll, or project status
- Requested amount, timing, and planned exit
BUSINESS REQUESTS
Helpful starting details
- Business type, ownership, and time in operation
- Use of funds and approximate amount requested
- Revenue, cash flow, and existing obligations
- Equipment, receivables, or purchase orders involved
- Desired timing and available financial records
FREQUENTLY ASKED QUESTIONS
Clear answers before you begin
What types of financing does Spearing Capital help with?
Spearing Capital works with commercial real estate and business financing requests. Common needs include property purchases and refinances, investment real estate, working capital, equipment, expansion, acquisitions, receivables, purchase orders, and other business purposes. Availability varies by request.
What happens after I submit an inquiry?
The team reviews the purpose, amount, timing, and initial context. If the request appears suitable for further review, we will follow up to clarify the opportunity and discuss the information that may be needed next.
Does submitting a form guarantee approval?
No. A website inquiry is not an application, approval, commitment, or offer of financing. Any financing remains subject to documentation, underwriting, program requirements, and final approval.
How quickly can financing close?
Timing depends on the financing type, completeness of the information, property or business complexity, third-party reports, underwriting, and responsiveness of all parties. No closing timeline is guaranteed.
What documents may be requested?
Requirements are tailored to the transaction. They may include entity documents, identification, financial statements, tax returns, bank statements, debt schedules, property information, leases, rent rolls, contracts, invoices, purchase orders, or equipment details.
What should I compare besides the interest rate?
Compare the net proceeds, payment, total cost, term, amortization, fees, prepayment provisions, collateral, personal guarantees, reporting requirements, closing conditions, and likelihood of execution.
Can owner-occupied and investment properties both be considered?
Yes. Spearing Capital works with requests involving owner-occupied commercial real estate and investor-owned properties. The structure and review criteria differ based on property use, cash flow, sponsorship, and transaction purpose.
Is there a time-in-business requirement for investment real estate projects?
No. Investment real estate projects do not have a time-in-business requirement. Eligibility still depends on the property, project, borrower qualifications, experience, credit, liquidity, exit strategy, and applicable underwriting requirements.
Can newer businesses be considered?
Potentially. Time in business is only one factor. Revenue history, owner experience, credit profile, use of funds, collateral, contracts, and overall risk may also affect available options.
Will personal credit or a personal guarantee be required?
That depends on the financing structure and program. Personal credit, ownership information, guarantees, collateral, and business performance may all be considered during review.
How should I send sensitive documents?
Begin with the general inquiry form and avoid sending highly sensitive information through ordinary website fields or unsecured email. If additional documents are needed, ask the Spearing Capital team for the appropriate delivery method.
Have a financing question that is not covered here?
Describe the request and a member of the Spearing Capital team will help identify the appropriate next step.